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Credit card benefits explained: How to save big on fuel, groceries, and bills

Key Takeaways

Earn accelerated credit card benefits of up to 6.5% on fuel, groceries, utilities, and FASTag recharges every month on the FIRST Power and FIRST Power+ Credit Cards.
Enjoy welcome cashback offers and ongoing credit card benefits for daily use, like EMI conversion, roadside assistance, and annual fee waivers.
Get the flexibility to redeem rewards with no expiry, making these the best credit cards for daily use for budget-conscious customers.
Save thousands annually by using these credit cards on essentials.

16 Jan 2026 by Team FinFIRST

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Ever feel like your money disappears faster than you can keep track of it? Between groceries, fuel, utility bills, and mobile recharges, everyday expenses add up quietly but quickly. The catch? Most credit cards reward you for luxury splurges, not the essentials you actually spend on.

That’s where the credit card benefits for daily use really matter. Imagine earning cashback and rewards every single time you shop for groceries, pay bills, or fill your tank. With the best credit cards for daily use, saving becomes part of your everyday routine, not an afterthought.

If you’re someone who prefers value, the credit card benefits offered by the FIRST Power and FIRST Power+ Credit Cards by IDFC FIRST Bank are made for you.

Get the coolest offers on movie tickets with FIRST Select Credit Card

Best credit card for lounge access: Elevate your travel with luxurious perks

Why everyday credit cards offer real value

Not all credit card benefits are created equal. While premium cards may complement a fancy lifestyle, what about the everyday spender? That’s where credit cards for daily use come into play.

Here's why they’re often the smarter choice:

Everyday spending takes priority: You primarily use your credit card for routine expenses such as groceries, utility bills, and fuel purchases.

Recurring rewards: Cashback on essentials adds up month after month, unlike one-time joining gifts or rarely used deals.

Built for budgeters: Value-driven credit cards help you manage expenses while rewarding responsible spending.

Better control: With options like EMI conversion and clear redemption rules, these cards offer transparency, not gimmicks.

If saving on what you actually use matters more than luxury perks, you’re in the right place.

FIRST Power vs. FIRST Power+ Credit Card: A snapshot comparison

When comparing credit card benefits, it’s easy to get lost in fine print. But if you're looking for the best credit cards for daily use, it comes down to real savings on things like fuel, groceries, and bills.

Here’s how the FIRST Power and FIRST Power+ Credit Cards by IDFC FIRST Bank stack up.

Features and benefits

FIRST Power Credit Card

FIRST Power+ Credit Card

Welcome benefits

₹250 cashback on first HPCL fuel transaction of ₹250 and above (within 30 days of card set-up)
5% cash back up to ₹1,000 on your first EMI conversion within 30 days of card activation

₹500 cashback on first HPCL fuel transaction of ₹500 and above (within 30 days of card set-up)

5% cash back up to ₹1,000 on your first EMI conversion within 30 days of card activation

Fuel savings

5% savings per month on fuel expenses via rewards

6.5% savings per month on fuel expenses via rewards

Non-fuel transaction savings

2.5% savings every month on grocery and utility expenses via rewards

5% savings every month on grocery and utility expenses via rewards

FASTag recharge

2.5% savings per month on IDFC FIRST Bank FASTag recharge via rewards

5% savings per month on IDFC FIRST Bank FASTag recharge via rewards

Reward points

For every ₹150 spent, you earn:

21X reward points on HPCL fuel

15X reward points on groceries, utility bills, and IDFC FIRST Bank FASTag recharge

2X reward points on all UPI and other retail transactions

Here, 1 RP = ₹0.25

For every ₹150 spent, you earn:

30X reward points on HPCL fuel, groceries, utility bills, and IDFC FIRST Bank FASTag recharge

3X reward points on all UPI and other retail transactions

Here, 1 RP = ₹0.25

HP rewards

Earn 6 Happy Coins per ₹100

fuel spends through the HP Pay

App, capped at 600 points per month

Here, 1 Happy Coin = ₹0.25

Earn 6 Happy Coins per ₹100

fuel spends through the HP Pay

App, capped at 600 points per month

Here, 1 Happy Coin = ₹0.25

Insurance and other support/protection

Personal accident cover of ₹2 lakh

Lost card liability cover of ₹25,000

Complimentary roadside assistance worth ₹1,399

Personal accident cover of ₹2 lakh

Lost card liability cover of ₹25,000

Complimentary roadside assistance worth ₹1,399

Other perks

Interest-free cash withdrawal

Annual fee reversed on annual spends over ₹50,000

Interest-free cash withdrawal

One complimentary domestic airport lounge visit per quarter for every ₹20,000 spent per month

25% off on movie tickets up to ₹100, once every month

Annual fee reversed on annual spends over ₹1.5 lakh

See your savings in action

It’s one thing to read about credit card benefits, but another to see them at work. Break down a practical spending scenario to see how much value you can unlock with the FIRST Power and FIRST Power+ Credit Cards using this fuel credit card savings calculator.

Here’s an illustration for rewards earned with FIRST Power + credit card:

Category of spends

Amount spent

Fuel (only on HPCL)

₹12,000

IDFC FIRST Bank FASTag Top Up

₹1,000

Utility & Grocery Payments

₹2,000

Base Rewards on other spends

₹3,000

Savings

Earned Reward Points: 3060

Equivalent to ₹765

Why choose IDFC FIRST Bank for everyday credit card benefits

When your goal is to save on everyday essentials, it’s important to choose a card that understands what real-life expenses look like. That’s where the credit card benefits from IDFC FIRST Bank stand out, giving you more value for your daily use.

Here’s what makes these cards a smart choice:

Earn up to 6.5% rewards on fuel, groceries, utilities, and FASTag recharges

Get ₹250–₹500 cashback on your first HPCL fuel transaction

Enjoy interest-free ATM cash withdrawals for up to 48 days

Convert big purchases into easy EMIs directly at checkout

Access complimentary roadside assistance and insurance protection

Receive annual fee waivers when you meet spending milestones

Redeem rewards flexibly with no expiry on points

Apply and manage your card 100% digitally through the mobile app

Trusted by millions and rated among the World’s Best Banks 2025 by Forbes, in partnership with Statista

Ready to make every rupee count? Apply for the FIRST Power or FIRST Power+ Credit Cards today and start saving where it matters most.

Frequently Asked Questions

Do these cards offer any travel-related perks?

The FIRST Power+ Credit Card offers one complimentary domestic lounge visit per quarter. Moreover, both cards also offer 50X reward points on hotel bookings, and 30X on flight bookings via the IDFC FIRST Bank Mobile Banking App, along with all the standard credit card benefits for everyday use.

Is there a minimum income requirement to apply?

To be eligible for the FIRST Power and FIRST Power+ Credit Cards, you need to:

Be an Indian resident

Be at least 21 years old (salaried) or 25 years old (self-employed)

Have a stable monthly income

Hold a good credit score

Meet IDFC FIRST Bank’s internal credit policies

Do the reward points expire if unused?

No, your points never expire, making these among the best credit cards for daily use if you prefer to save and redeem at your own pace.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.